{"id":925,"date":"2018-05-31T09:48:21","date_gmt":"2018-05-31T13:48:21","guid":{"rendered":"https:\/\/www.protectiveagency.com\/blog\/?p=925"},"modified":"2024-02-25T15:50:32","modified_gmt":"2024-02-25T19:50:32","slug":"what-you-need-to-know-about-rideshare-insurance","status":"publish","type":"post","link":"https:\/\/www.protectiveagency.com\/blog\/what-you-need-to-know-about-rideshare-insurance\/","title":{"rendered":"What You Need to Know About Rideshare Insurance"},"content":{"rendered":"

Our parents always told us not to get in a car with strangers, and yet the popularity of rideshare options like Uber and Lyft are increasingly changing the face of public and private transportation. As a freelance work option, more people are choosing to fill in the blanks in their free time and finances by becoming rideshare drivers. As Uber, Lyft, and other rideshare options move into urban areas around the globe, issues regarding insurance and safety have come up for both passengers and drivers.<\/p>\n

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What is Rideshare Insurance?<\/strong><\/h2>\n

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Rideshare insurance<\/a> is one way that drivers for rideshare companies can obtain insurance coverage in case of an accident, injury, or other emergencies. As a contracted employee, rideshare drivers aren\u2019t necessarily covered by their personal auto insurance, nor are they necessarily completely covered by the rideshare company they are working for.<\/p>\n

Rideshare insurance is a needed insurance policy coverage for drivers who want to make sure that they won\u2019t be saddled with medical or auto bills because of accidents that occur while they are working for a rideshare company.<\/p>\n

Standard rideshare insurance policies cover personal use of a vehicle since the vast majority of people working for companies like Lyft or Uber use their own cars for work. A rideshare insurance policy should also cover drivers for time spent working for the ridesharing company.<\/p>\n

Some drivers might find that their personal auto insurance doesn\u2019t cover them for accidents or injuries that occur while they are using their vehicle for commercial or money-making purposes; however, if a driver has a commercial automobile insurance<\/a> policy, they won\u2019t need to obtain a rideshare insurance policy on top of that.<\/p>\n

What Does Rideshare Insurance Offer?<\/strong><\/h2>\n

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Typical rideshare insurance policies offer insurance coverage when you are actively working for a rideshare app. This commonly includes the time you spend in your vehicle after you have accepted a ride request and when you are actively driving your passenger(s) to their destination.<\/p>\n

Some of the downsides to rideshare insurance include:<\/p>\n